Platinum MasterCard

If you have excellent credit and want a great rate on both purchases and balance transfers, this is the ideal card for you.

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Platinum Rewards MasterCard

If you have excellent credit and want to get rewarded for each dollar you spend, this is the perfect card for you!

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Classic MasterCard

This easy-to-use card has a consistently low rate and can be used in conjunction with your other FPCU accounts.

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Share Secured MasterCard

Your card is secured by a deposit (e.g., $500) in your Share Savings account, and your credit limit is equal to the amount you deposit.

  • Teach teens to use credit cards
  • Earn dividends as you build your credit
  • Never overspend
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All FPCU Credit Cards Feature:
  • Zero liability on unauthorized purchases
  • Easy cash advances from any ATM with the MasterCard logo
  • Account management online or with your mobile phone
  • Free travel and retail purchase benefits
  • Access to discounts and savings through MasterCard Marketplace
  • Ability to design your own credit card using your favorite photo
  • Tips on getting the most from your credit card
  Classic MasterCardGreat for people who want a credit card for occasional use. Platinum MasterCardBest for people who carry balances and want a low rate card. Platinum RewardsBest for people who do not carry balances and love rewards. Share SecuredPerfect for people who want to build credit.
Annual Percentage Rate (APR)
  • Regular APR
  • Cash APR
  • Penalty APR
10.99% - 19.99%Valid on purchases and balance transfers
  • 10.99 - 19.99%
  • 15.74 - 24.74%
  • 20.99 - 32.99%
terms and conditions
10.99% - 19.99%Valid on purchases and balance transfers
  • 10.99 - 19.99%
  • 15.74 - 24.74%
  • 20.99 - 32.99%
terms and conditions
12.99% - 21.99%Valid on purchases and balance transfers
  • 12.99 - 21.99%
  • 17.74 - 26.74%
  • 22.99 - 34.99%
terms and conditions
19.99% - 24.99%Valid on purchases and balance transfers
  • 19.99%
  • 24.99%
  • 29.99%
terms and conditions
Annual fee None None None None
Minimum credit required Good Excellent Excellent Poor
Minimum interest charge None None None None
Variable rate YesYour APR will vary with the market based on the Prime Rate. YesYour APR will vary with the market based on the Prime Rate. YesYour APR will vary with the market based on the Prime Rate. YesYour APR will vary with the market based on the Prime Rate.
Balance calculation Average daily balance (including new purchases) Average daily balance (including new purchases) Average daily balance (including new purchases) Average daily balance (including new purchases)
Grace period 20-25 daysAfter the close of each billing cycle 20-25 daysAfter the close of each billing cycle 20-25 daysAfter the close of each billing cycle 20-25 daysAfter the close of each billing cycle
Other fees Balance transfer
Cash advance
Foreign transactions
Late payment
Returned payment
Over the credit limit
Stop payment
Rush card order
Document copy
3.00% ($10 min)
4.00% ($10 min)
3.00%
$7.00
$25.00
$25.00
$25.00
$30.00
$12.00